The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,497
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$332/mo
Today · 4.125%
HK$11,155
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,310/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,677
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$318/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,616/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,596
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$398/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,772/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,013
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$381/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,695
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$465/mo
Today · 4.125%
HK$15,617
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,234/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$444/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$598/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$572/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,823 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).